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What is the story about?
Private sector lender YES Bank Ltd on Saturday (January 3) shared provisional business figures for the quarter ended December 31, 2025. Loans and advances increased 5.2% year-on-year (YoY) to ₹2,57,508 crore from ₹2,44,834 crore in December 2024, and grew 2.9% quarter-on-quarter (QoQ) from ₹2,50,212 crore in September 2025.
Deposits stood at ₹2,92,484 crore, up 5.5% YoY from ₹2,77,224 crore, though slightly lower by 1.3% QoQ from ₹2,96,276 crore. Certificate of deposits (CDs) rose marginally to ₹990 crore from ₹987 crore in the previous quarter.
The bank’s CASA (current and savings accounts) reached ₹99,443 crore, reflecting an 8.5% YoY increase, with a CASA ratio including CDs at 34.0%, up from 33.1% a year ago.
Also Read: Yes Bank shares see modest gains despite top management uncertainty
Yes Bank’s credit-to-deposit ratio improved to 88.0% from 84.5% QoQ, compared to 88.3% in December 2024. The liquidity coverage ratio (LCR) stood at 123.8% for the quarter, compared with 125.1% in the previous quarter and 133.2% a year ago.
Second Quarter Results
Yes Bank reported an 18.4% year-on-year rise in net profit for the September quarter. The lender said its net profit rose to ₹655 crore in the second quarter ended September 30. This is higher than the profit of ₹553 crore reported a year earlier.
Net interest income (NII) increased 4.6% year-on-year to ₹2,300 crore from ₹2,200 crore, the bank said in an exchange filing. Yes Bank said its return on assets (RoA) stood at 0.6%, compared with 0.5% in the year-ago quarter, while net interest margin (NIM) remained steady at 2.5%, up 10 basis points year-on-year.
Also Read: Yes Bank shares rise after RBI nod for board changes ahead of SMBC entry
Non-interest income rose 16.9% year-on-year to ₹1,644 crore, driven by higher fee income from forex, loan processing, and distribution. Operating profit increased 32.9% year-on-year to ₹1,296 crore, while the cost-to-income ratio improved to 67.1% from 73% a year earlier. The bank maintained tight control over expenses, with operating costs rising just 0.6% year-on-year and declining 4.2% sequentially.
On Friday (January 2), shares of YES Bank Ltd ended at ₹22.31, down by ₹0.82, or 3.82%, on the BSE.
Deposits stood at ₹2,92,484 crore, up 5.5% YoY from ₹2,77,224 crore, though slightly lower by 1.3% QoQ from ₹2,96,276 crore. Certificate of deposits (CDs) rose marginally to ₹990 crore from ₹987 crore in the previous quarter.
The bank’s CASA (current and savings accounts) reached ₹99,443 crore, reflecting an 8.5% YoY increase, with a CASA ratio including CDs at 34.0%, up from 33.1% a year ago.
Also Read: Yes Bank shares see modest gains despite top management uncertainty
Yes Bank’s credit-to-deposit ratio improved to 88.0% from 84.5% QoQ, compared to 88.3% in December 2024. The liquidity coverage ratio (LCR) stood at 123.8% for the quarter, compared with 125.1% in the previous quarter and 133.2% a year ago.
Second Quarter Results
Yes Bank reported an 18.4% year-on-year rise in net profit for the September quarter. The lender said its net profit rose to ₹655 crore in the second quarter ended September 30. This is higher than the profit of ₹553 crore reported a year earlier.
Net interest income (NII) increased 4.6% year-on-year to ₹2,300 crore from ₹2,200 crore, the bank said in an exchange filing. Yes Bank said its return on assets (RoA) stood at 0.6%, compared with 0.5% in the year-ago quarter, while net interest margin (NIM) remained steady at 2.5%, up 10 basis points year-on-year.
Also Read: Yes Bank shares rise after RBI nod for board changes ahead of SMBC entry
Non-interest income rose 16.9% year-on-year to ₹1,644 crore, driven by higher fee income from forex, loan processing, and distribution. Operating profit increased 32.9% year-on-year to ₹1,296 crore, while the cost-to-income ratio improved to 67.1% from 73% a year earlier. The bank maintained tight control over expenses, with operating costs rising just 0.6% year-on-year and declining 4.2% sequentially.
On Friday (January 2), shares of YES Bank Ltd ended at ₹22.31, down by ₹0.82, or 3.82%, on the BSE.
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